Emporium TPO in Arizona vs the state
6.6%Denial rate-9.67 pts vs state
7.0%Decision denial rate-13.39 pts vs state
62.3%Origination rate+2.82 pts vs state
7.37%Median rate+0.87 pts vs state
0.85Rate spread (pts)+0.63 pts vs state
$290kMedian applicant income
38Loans originated
4Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 65 | 45 | 6.2% | 7.63% | #280 |
| 2025 | 61 | 38 | 6.6% | 7.37% | #291 |
What Emporium TPO lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Emporium TPO applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 39 | 25 | 3 | 7.7% |
| Yavapai County | 7 | 3 | 0 | 0.0% |
| Pima County | 5 | 2 | 0 | 0.0% |
| Coconino County | 4 | 3 | 1 | 25.0% |
| Pinal County | 3 | 3 | 0 | 0.0% |
| Yuma County | 1 | 1 | 0 | 0.0% |
| Apache County | 1 | 0 | 0 | 0.0% |
| Mohave County | 1 | 1 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 61 applications in 2025, of which 38 were originated and 4 denied.
6.6% of all applications, or 7.0% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Emporium TPO originated in Arizona in 2025 was 7.37%, against a statewide median of 6.50%.
About this data. Figures are Emporium TPO's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology